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In the Meantime
Comments
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You are back
Great news on the award.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
welcome back x3
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Thanks @Humdinger1 @Sunshine_girl2 @mark55man @MovingForwards @in_need_of_direction @savingholmes @jwil @beanielou and @FourSeasons for the welcome back
I am not in the groove. I did not do the second job application form. Instead I hung out with my housemate. We went to the supermarket. We shared the cost. I am lucky to have a good friend.
I'm back to drinking wine and low level headache. That is the bad news. Good news is keeping to my post eating walks. Tomorrow will be an AF day. I am going to have a NSD too.
Bought a half price face mask as a treat
I need to eat a financial frog tomorrow. Financial frogs cause the upmost stress to me.
No suitable homes came up today
Tomorrow's list:
Financial frog 1
Financial frog 2
Complete parcel and card ready for PO
Complete second job application
AF
NSD
I hope everyone is ok.
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Hanging out with your mates, shirking your applications - sounds like heaven - that old protestant work ethic got a lot done, but isn't that much fun - and we all need some of that once in a whileI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Frogs
Ribbet ribbet
They will get done eventually. You are reacclimating to being backAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
(If bigger lump sum £15.8/30K 52.67%)
5) SIPP £4.8K updated 13/9/252 -
I'm happy when I get things done @mark55man my protestant work ethic is so ingrained!
That said I had a lovely day yesterday and have no regrets
Thanks @savingholmes I am indeed reacclimatising to being back
I am experimenting with my fancy all dancing electric cook pot. I made a buckwheat and teff porridge in it with coconut cream. I had it in for 6 minutes, it needs 10 and a bit more liquid. Going to add blueberries before, instead of after next time. Could be my go to breakfast when I settle in my own home.
Prepped veggies for vegetable and bacon soup.
I've been lucky with YS veggies. I got 5p herbs, 10p packet of 4 sweetcorn and 60p X2 blueberries. I use my post evening meal BS walk to pop into Mr.S and it seems to be paying off exercise and MSE wise
Have a good day all.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
A blergh day but kept going anyway.
I ate 2 financial frogs
I completed a job application could I submit it? No! so sent an email to HR as an error message blocks me from applying. Annoying.
I was NSD
Parcel ready for post office tomorrow
So, all done according to my planned list.
I did not manage to stay AF. Had a small glass of white with supper...
Wasted some money on a toiletry yesterday. For some reason it is bugging me. Will pass it on to a family member.
My day lacked 'flow' somehow but I got through it all the same.
Tomorrow I have:
1 financial frog
Take a parcel to the PO
Chase HR re submitting application
Going to do some work out of the house tomorrow. Starting to feel slobby staying in...
I am doing my after evening meal walk but need to do a proper first thing walk for exercise too. Going to start it tomorrow.
Hope everyone is ok.
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720254 -
Lol I read AF not as alcohol free but as f**k. Was very confused about your plans.
Looks like you're back and ready to go after your break5 -
Hehe @WelshmansDaughter
Yes, I am ready to go!
On that note, I did well today, so quite pleased.
1 financial frog
Take a parcel to the PO
Chase HR re submitting application
Got out of the house, sat in a cafe to sort my paperwork and then made a financial call.
I chased the financial frog. This was the big one that I got myself into such a state before I went. I ended up hanging up and having a cry! This time it all went well after I found relevant password. I'm so relieved that this is done.
I have new insurance for storing my stuff. After the company changed 3 months ago I was being charged £14 a month, so £168 a year. I got cover that exceeds theirs for under £60 for the year. As @mark55man might call it a stupid tax but was too stressed to sort this before I went away.
I took my parcel but it seems RM are not sending any post outside of the UK due to a cyber attack! I missed that one!
I did not chase HR. Not sure how I feel. No response to my email and wondering if they are a company I want to work for as their vibe when I called was poor and I have had no response.
Feeling better about homes as more seem to be coming onto the market.
Overall a good day
Hope everyone is ok.If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720256 -
Well done on tackling the frog!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1
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